Climate Risk Summary

Tonawanda Town, NY Risk Profile

The primary drivers of climate-related financial risk in Tonawanda Town, NY are Inland Flooding, Cold Wave, and Tornado. This area also faces an unusually high intensity for Winter Weather compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Tonawanda Town.

Primary Risks

Inland Flooding

$11,080,022

Expected Annual Loss for Tonawanda Town

58.1Score

Relatively High compared to US average

Tonawanda Town
Minimal Estimated LossMax Estimated Loss

Cold Wave

$3,423,794

Expected Annual Loss for Tonawanda Town

85.9Score

Relatively High compared to US average

Tonawanda Town
Minimal Estimated LossMax Estimated Loss

Tornado

$735,612

Expected Annual Loss for Tonawanda Town

46.8Score

Relatively Moderate compared to US average

Tonawanda Town
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$11,080,022
Score: 58.1
MAJOR DRIVER
Cold Wave
$3,423,794
Score: 85.9
MAJOR DRIVER
Tornado
$735,612
Score: 46.8
Heat Wave
$415,119
Score: 42.0
Earthquake
$238,959
Score: 35.4
UNUSUALLY HIGH
Winter Weather
$142,388
Score: 81.7
Ice Storm
$82,642
Score: 54.7
Strong Wind
$76,502
Score: 24.9
Lightning
$50,115
Score: 22.3
Hurricane
$35,573
Score: 40.9
Hail
$6,549
Score: 12.7
Wildfire
$1,583
Score: 34.6
Coastal Flooding
$390
Score: 5.9
Drought
$104
Score: 9.6
Landslide
$1
Score: 8.9

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 58.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.7
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 54.7

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

BuffaloCheektowagaEggertsvilleGrandyle VillageKenmore

Zip Codes in Tonawanda Town

Climate Risk Analysis for Tonawanda Town, NY